Home & Auto Insurance Solutions for Seniors & Families
Protecting what matters most — your home, your car, and your peace of mind.
You've spent a lifetime building what you have. At R&D Senior Solutions, we make sure it's protected. As an independent insurance agency, we shop multiple top-rated carriers to find the home and auto coverage that fits your life, your budget, and your needs — without the pressure of being locked into one company's options.
Whether you own your home or rent, drive daily or just occasionally, we'll walk you through your options in easy-to-understand language and help you make a confident decision.
Insurance Solutions
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Your home is likely your biggest investment. A good homeowners policy protects not just the structure itself, but everything inside it — and protects you from liability if someone is injured on your property.
What homeowners insurance typically covers:
Dwelling coverage — repairs or rebuilds your home if damaged by fire, storm, or other covered events
Personal property — replaces furniture, electronics, clothing, and other belongings
Liability protection — covers legal and medical costs if a guest is injured on your property
Additional living expenses — pays for temporary housing if your home becomes uninhabitable
Because we're independent, we compare rates and coverage across multiple carriers to find you the right fit, not just the cheapest option, and not just whatever one company happens to offer.
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Don't own your home? You still need protection! Your landlord's insurance covers the building, not your belongings. Renters insurance is surprisingly affordable and covers your personal property, liability, and temporary living costs if something goes wrong.
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Whether you're driving every day or just a few times a week, having the right auto coverage protects you, your passengers, and your finances if the unexpected happens.
Coverage options we can help you explore:
Liability coverage — required in most states; covers damage and injuries you cause to others
Collision coverage — pays to repair or replace your vehicle after an accident
Comprehensive coverage — covers theft, weather damage, vandalism, and more
Uninsured/underinsured motorist — protects you if the other driver doesn't have enough coverage
Medical payments coverage — helps with medical bills for you and your passengers regardless of fault
Many seniors qualify for discounts based on driving history, low annual mileage, vehicle safety features, or completing a defensive driving course. We'll help make sure you're getting every discount you deserve.
Bundling Home & Auto — Save More, Stress Less
Most carriers offer significant discounts when you bundle your home and auto insurance together. Beyond the savings, having both policies with one carrier means simpler billing, one point of contact, and coverage that's designed to work together.
Ask us about bundling options!
Why choose an independent insurance agent?
As an independent insurance agency, we're not tied to any single insurance company. That means we work for you — not the insurance carriers. We compare plans from multiple top-rated providers to find coverage that fits your coverage needs and budget.
Here’s what makes us different:
✓ Independent & Unbiased – We're not tied to one company. We compare plans from multiple top-rated insurers to find the best fit for you.
✓ Personalized Service – We take the time to understand your situation before making any recommendations.
✓ Local Expertise – We know the coverage needs and carrier options available to residents across Kentucky, West Virginia, Ohio, Indiana, Tennessee, and Florida.
✓ Free Quotes– There's no cost and no obligation to explore your options with us.
✓ Plain-English Guidance – No confusing jargon. We explain everything so you can make an informed choice.
Hi, I’m Denise Skirvin, co-owner of R&D Senior Solutions
I've been a part of R&D Senior Solutions since its beginning in 2012, and this work is truly my passion.
As a licensed insurance agent, I believe every client deserves patience, honesty, and someone who will actually take the time to explain their options — no jargon, no pressure.
Whether you're navigating home owners insurance for the first time or looking for the right auto coverage for your family, I'm here to make the process feel a lot less overwhelming.
When you call us, you're not just getting an agent, you're getting someone who genuinely cares about getting it right for you.
Ready to Protect Your Home and Vehicle?
Getting the right coverage doesn't have to be complicated. Our licensed insurance professionals are ready to help you compare your options, answer your questions, and find coverage that gives you real peace of mind.
Call 833-754-7846 to speak with a licensed agent today, or fill out the form below to request a free quote online.